Embrace offers everything you mention for Petplan, but they don't charge a higher co-pay percent for seeing a specialist, going to an after hours ER, etc. like Petplan does. (I'm not sure whether Embrace offers a $0 copay). There were a couple of other things that made me hesitate on Petplan but I don't remember exactly what they were now (and those things may have changed by now).
I originally switched from Embrace to Trupanion because:
1) Embrace had a limit on chronic care coverage of only 25% of your annual coverage. That limit has now been removed.
2) Embrace did not offer prescription drug coverage, unless the medication was administered at the vet's office. They now cover this.
Trupanion's coverage, lack of per incident, per year and lifetime limits sounded great to me. But after dealing with VERY poor customer service and a bad lack of communication from them, I switched back to Embrace and I'm much happier with their immediate responses and fast, knowledgeable answers. Their claims processing time is MUCH fast as well.
Oh, and from my gang - Embrace is actually less than with Trupanion. And I think it's less than it would be with Petplan when I got a quote from them. Petplan would definitely be my second choice after Embrace.
__________________ He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion. -- Author Unknown |